Insurance News

COBRA Continuation Deadlines During the Pandemic 150 150 Encore Benefits

COBRA Continuation Deadlines During the Pandemic

During the economic instability surrounding the COVID-19 pandemic, terminated or furloughed employees should understand some new federal regulations governing COBRA continuation. What Hasn’t Changed If you were enrolled in group…

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Cheap Medical Insurance: If It Sounds Too Good to Be True… 150 150 Encore Benefits

Cheap Medical Insurance: If It Sounds Too Good to Be True…

The average premium for individual health insurance coverage has more than doubled in the past five years. So if you’re paying for your own insurance, unless your income has also…

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HIPAA For Employers 150 150 Encore Benefits

HIPAA For Employers

The Health Insurance Portability and Accountability Act of 1996 (HIPAA) obligates employers, health care providers, insurance agents, insurance carriers and others to respect the confidentiality of the Private Health Information…

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What is an “Out-of-Pocket Max?” 150 150 Encore Benefits

What is an “Out-of-Pocket Max?”

It’s known by a few terms – “out-of-pocket max, “maximum out-of-pocket,” “maximum liability,” and a few others – and that’s only part of the confusion: What is it, and what…

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What is a Deductible? 150 150 Encore Benefits

What is a Deductible?

In insurance, a deductible is the amount that you (the insured) are responsible for FIRST before the insurance company starts paying toward your covered care.  Deductibles for all ACA individual…

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The End Of The Cost-Sharing Reduction 150 150 Encore Benefits

The End Of The Cost-Sharing Reduction

You probably heard news coverage over the weekend about the federal government’s announcement that it would suspend Cost Sharing Reduction (CSR) payments to insurance companies for individual plans purchased through…

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Temporary Employee Benefit Coverage 150 150 Encore Benefits

Temporary Employee Benefit Coverage

If you ever employ temporary or “seasonal” employees, or you wonder whether your employees are temporary, here are the basics you should know. Temporary Employee Benefit Coverage Under The Affordable…

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Where Does My Insurance Premium Go? 150 150 Encore Benefits

Where Does My Insurance Premium Go?

Many of us look at the amount our insurance premiums costs today, compared to the amount we use, and think, “Somebody at the insurance company must be getting rich off…

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Replacing Obamacare: Evaluating State-Based Insurance Obstacles 150 150 Encore Benefits

Replacing Obamacare: Evaluating State-Based Insurance Obstacles

During the run-up to the Presidential election, then-candidate Donald Trump made many broad promises about replacing Obamacare. One of the oft-repeated components of his solution was to allow insurance carriers to…

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